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DDOR Novi Sad

Unipol groupSerbiaddor.rs ↗#3 of 16 in Serbia, FY 2025
Updated 11 Nov 2026
Sources and updates
Source
premium and claims tables of the National Bank of Serbia; solvency margin where insurers publish it
Latest figures
FY 2025, H1 2026
Next update
Jan–Sep 2026, around November 2026

Sources for SerbiaWhat changed

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Premium
€171m
10.5% of Serbia
Growth
+2.2%
FY 2025 vs 2024, in RSD · market +8.0%
Life share
17%
of own premium
Capital cover
266%
Solvency margin · €61m held vs €23m required
Claims and costs
88%
combined ratio after reinsurance · gross 79% · market 91%
In shortNumber 3 of 16 in Serbia with 10.5% of premium, growing slower than the market. Strongest in Property, with 14.7% of the line. Its non-life business made money on underwriting, with a combined ratio of 88% after reinsurance against 91% for the market. It paid €73m in claims, €43 for every €100 of its premium. It covers its required solvency margin 2.7 times.

Latest resultsH1 2026, year to date: €93m of premium, +3.3% on H1 2025 (market +6.9%); share 10.5% (−0.4 pp), #3 of 16. More

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DDOR Novi Sad's line mix, and where it stands among the 16 insurers in Serbia on each measure, FY 2025.

Line mix
Motor TPL27%
Property26%
Life17%
Casco14%
Health7%
Other non-life5%
Accident3%
Liability2%
Size#3 of 16 by premium
€171m
larger than 87%median €63m
GrowthFY 2025 against 2024, in RSD
+2.2%
ahead of 27%median +9.8%
Claims and costsnon-life combined ratio, after reinsurance
88%
better than 80%median 96%
Capital coverlocal solvency margin
266%
ahead of 80%median 195%
Return on equitynet profit ÷ average equity
16.9%
ahead of 47%median 17.3%

Each bar runs from the weakest to the strongest of the insurers in Serbia with that figure in FY 2025; the dot is this insurer, the tick in the middle the median. Combined ratios as shown across the site: after reinsurance where published, else gross. The rose: each petal's area is the line's share of written premium; the dashed ring is a quarter.

Premium and market share

Market share against the nearest rivals

By year

Insurer20212022202320242025
Dunav osiguranje26.4%26.3%25.9%26.0%26.1%
Generali Osiguranje Srbija19.6%18.6%18.7%17.8%18.5%
DDOR Novi Sad11.7%11.4%10.9%11.1%10.5%
Wiener Städtische11.3%11.7%11.3%11.0%10.3%
GRAWE Osiguranje4.0%4.0%4.0%3.9%4.0%

Lines and claims

Written premium by line with ratios after reinsurance for the year selected (gross, marked, where the insurer gives no net figures for a line); the market figure on the same basis sits under each ratio.

All figures

Solvency

DetailsCapital in detailOwn funds against the capital requirement, and the risks it covers

Capital at year end

Capital cover

    Also in the Unipol group

    1 company in 1 market · €171m premium, latest year

    No other company of this group in the markets covered.

    Company details

    Website
    ddor.rs
    Employees
    1,203 (2025; 1,312 in 2022, 1,277 in 2023, 1,247 in 2024)
    Premium per employee
    €142k (FY 2025; median for composite insurers in Serbia: €143k; all insurers)

    Website from the company's own reports or the supervisor's register, checked 20 Oct 2026.

    Questions about DDOR Novi Sad

    Short answers from the figures on this page.

    What is DDOR Novi Sad's market share in Serbia?

    DDOR Novi Sad wrote €171m of premium in FY 2025, 10.5% of all premium in Serbia, ranking #3 of 16 insurers; its premium grew 2.2% on FY 2024 in RSD.

    Who owns DDOR Novi Sad?

    DDOR Novi Sad is part of the Unipol group, its only company in the 18 markets on Polisa (FY 2025).

    What does DDOR Novi Sad sell?

    DDOR Novi Sad is a composite insurer; its largest lines in FY 2025 are motor TPL (26.7% of its premium), property (25.9%) and life insurance (17.0%).

    Is DDOR Novi Sad well capitalised?

    DDOR Novi Sad's solvency margin was 266% at 31 December 2025: it covered its required solvency margin 2.7 times, against a median of 195% for the insurers in Serbia (local rules, not Solvency II).

    Is DDOR Novi Sad profitable?

    DDOR Novi Sad made a net profit of €15.6m in FY 2025, a return on equity of 16.9%; its non-life combined ratio was 88% after reinsurance.

    Is DDOR Novi Sad growing?

    DDOR Novi Sad's premium grew 2.2% in RSD in FY 2025, slower than the market in Serbia (+8.0%).

    Sources for this page

    Premium and claims: National Bank of Serbia, quarterly tables T1, T3 and T10–T12 and the insurers' financial statements. The tables are linked under Sources by market; their figures are not changed, and Polisa's calculations are its own. Solvency margin: the insurer's annual report, where published. How these numbers are built.

    Spotted a wrong figure? Tell us and include the source.

    CiteCite this pageThe reference in APA style and as BibTeX, each with a copy button, and the terms of reuse

    Polisa compiles the figures; the original sources are named on this page and on the method page.

    APA

    Polisa. (2026). DDOR Novi Sad (Serbia): premium, market share, lines, solvency and claims [Data version 2026-11-11.13378f]. Retrieved November 11, 2026, from https://polisapro.com/insurers/rs-ddor-novi-sad

    BibTeXShow entry
    Entry for a .bib file
    @misc{polisa_insurers_rs_ddor_novi_sad_2026,
  author       = {{Polisa}},
  title        = {DDOR Novi Sad (Serbia): premium, market share, lines, solvency and claims},
  year         = {2026},
  version      = {2026-11-11.13378f},
  howpublished = {\url{https://polisapro.com/insurers/rs-ddor-novi-sad}},
  note         = {Accessed 11 November 2026}
}

    Reuse: Polisa's compilation CC BY 4.0 · source data: NBS (written consent for non-commercial use (5 Nov 2026)), APR (personal non-commercial use only).